Question 1

Does the site use the tax rates for 2026?

Accepted Answer

Yes, this site considers the updated tax rates for 2026.

Question 2

What's the advantage of selling around maternity leave?

Accepted Answer

It can increase your maternity-leave allowance. Try the feature in the Pro+ plan.

Question 3

What's the advantage of selling around reserve duty (Miluim)?

Accepted Answer

It can increase your reserve-duty allowance. Try the feature in the Pro+ plan.

Question 4

Where can I locate my stock symbol?

Accepted Answer

Google search the company name followed by "stock," like "Apple stock," to find its symbol, such as AAPL. For TLV-listed stocks, add ".TA" to the symbol (e.g., Cellcom → CEL.TA).

Question 5

What is an RSU grant?

Accepted Answer

A Restricted Stock Unit grant is a benefit given by your employer to reward employees. The grant vests over several years and is subject to Section 102 of the Income Tax Ordinance. To learn more, watch one of the podcasts on the In the Media page.

Question 6

Where can I locate the number of shares (RSUs) available for sale?

Accepted Answer

In your trustee account, you'll see the "Sellable" share count for each RSU plan.

Question 7

Where can I locate the grant date?

Accepted Answer

You'll find the grant date in your trustee account, with each plan having its own grant date.

Question 8

What should I input for average monthly salary?

Accepted Answer

Insert your gross monthly salary for the current calendar year. If your salary has changed or you sold stocks or banking securities this year, divide the total income by the number of months elapsed.

Question 9

If I don't specify a stock price, which price will be used for the calculation?

Accepted Answer

Live price (current price updated to the most recent minute).

Question 10

When should I select "Changed workplace"?

Accepted Answer

When you are no longer employed at this company. Then, input your average gross monthly salary for your last 12 months there. The salary is needed to determine the Bituah Leumi rate.

Question 11

If I don't specify a dollar rate, which rate will be used?

Accepted Answer

Live USD-ILS rate, updated to the most recent minute.

Question 12

When should I select "Extra capital gain"?

Accepted Answer

When you've sold other investments (or other RSUs) this year, and you have capital gain or loss from them. Capital gain should be inserted as a positive number, while capital loss should be inserted as a negative number. The site will determine your capital tax rate. If you have a capital loss, it will be subtracted from the taxable amount.

Question 13

Does the calculation include dividends?

Accepted Answer

No, Net excludes dividends.

Question 14

When should I use more than one plan?

Accepted Answer

When you have more than one plan (grant), whether from the same company or different companies.

Question 15

What is the grant price and why does it matter?

Accepted Answer

The grant price is the share's average price over the 30 trading days preceding the grant date. It matters because it tells you the share price on which you'll pay income tax once two years have passed and the share has risen. If two years haven't passed, or the share price has fallen, you'll pay income tax on the entire sale amount.

Question 16

Do the vesting dates matter?

Accepted Answer

Vesting dates matter for understanding how many shares you can sell, but the dates themselves have no tax significance.

Question 17

Do the vesting prices affect the calculation?

Accepted Answer

In Israel, the vesting prices have no significance at all. For RSUs granted in the U.S., they actually do.

Question 18

Which stocks is this site designed to work with?

Accepted Answer

This site is designed specifically for companies listed on NASDAQ or the Tel Aviv Stock Exchange (TASE). If your stock is listed on TASE, please add '.TA' at the end of the ticker symbol - for example: Bank Hapoalim → POLI.TA.

Question 19

For which countries are the tax regulations on this site applicable?

Accepted Answer

Israel only. It is based on Section 102 of the Income Tax Ordinance in Israel.

Question 20

Does the site store my personal information?

Accepted Answer

No. The site does not store your personal data in its database unless you choose to use the personal portfolio, and even then the information is accessible only to you.

Question 21

Why is my monthly salary required?

Accepted Answer

The site requires your monthly gross income to determine your tax rate. Rest assured, the data is not saved.

Question 22

Selling all my shares could result in a higher tax rate, correct?

Accepted Answer

Yes, selling a large number of shares and moving up to a higher tax bracket will increase your tax rate. The site will take your new rate into account.

Question 23

Are there additional fees determined by my trustee?

Accepted Answer

This site considers a broker fee of 0.1% of the gross amount and a trustee fee, which is the higher of $0.05 per stock sold or $4. Additionally, a wire transfer fee of 15 ILS (or 15$ if selling in USD) is deducted from the "Net to bank." These fees are not taxed, as they are not considered part of your income. Your trustee may have different fee rates, and you can override the default fees manually via "Customize sale fees." If the total selling price is too low, a negative value may appear in the "Net to bank" result due to those fees.

Question 24

What is an ESPP plan?

Accepted Answer

An ESPP is a plan that lets an employee buy shares at a discount, at certain times and under certain conditions. You can hold the shares (Keep) or sell them immediately when the plan ends (Quick Sale).

Question 25

What's the difference between an ESPP plan with a trustee (Section 102) and one without?

Accepted Answer

With a trustee (the Section 102 capital-gains track), the shares are held by a trustee for a holding period of at least 2 years from the end of the offering period. Nothing is taxed at purchase: when you eventually sell, the discount you received is taxed as employment income (marginal rate + Bituah Leumi & health, up to the ceilings), and any gain above the purchase price is taxed as capital gains (25%, plus surtax where applicable). Without a trustee, the discount is already taxed as employment income at the purchase date through your payroll; only the later gain above the purchase price is taxed as capital gains when you sell. The site handles both - just pick the matching option.

Question 26

Can you lose money in an ESPP?

Accepted Answer

Yes. Because these are shares bought with the employee's own money, if the share price and/or the USD-ILS rate falls there can be a loss — part of which can be used as a tax shield against future gains.

Question 27

What are "Purchased price" and "Discounted price" in an ESPP?

Accepted Answer

The purchased price is the share price before the ESPP discount (usually the lower of the offering-period start price and the purchase-date price). The discounted price is what you actually paid per share after the discount (e.g., purchased price × 0.85 for a 15% discount). The difference between them is the benefit, taxed as employment income.

Question 28

Why is the plan end date required, and for which plans?

Accepted Answer

The plan end date is needed only for plans with a trustee (Section 102), to determine whether 2 years have passed since the plan ended. If they have, the gain above the purchase price is taxed as capital gains; if not, it is taxed as employment income. Without a trustee the field is irrelevant and is hidden.

Frequently Asked Questions

Frequently Asked Questions